Discover Your “Money Temperament” and Immediately Start Making Better Money Choices
Do you know that how you feel and think about money might destroy your financial security?
Learn why it's important and how to fix it easily.
Money is hard because humans are emotional animals who think. And not thinking animals with emotions. - Ted McLyman, Co-Founder and Vice President at DreamSmart Behavioral Solutions
Have you ever run into a supermarket to buy a few things and spent a small fortune on stuff you didn't plan to buy?
Of course you have. Everyone has. Why? Because you are human. And humans are not hard-wired to work with money.
Your brain developed to keep you alive and pass on your genes. Not to do taxes, shop at a superstore, or retirement planning.
The Problem Is,
Humans Are Not Hard-Wired to Work Well With Money
Research Shows That 95-99% of your Spending is Automatic, Nonconscious, and Emotional. DOn't believe it? Then check your closet, attic, and self-storage unit. What did you discover?
Scary Stats About Money Behavior Are Everywhere
Plan to Work In Retirement
Have A Retirement Plan
Live Paycheck to Paycheck
Why Is Money So Hard?
Here's what I've learned from a lifetime of working with people and money, and making many personal spending mistakes. Money management doesn't come naturally to people and traditional financial education fails. Here's why.
1. Your Biology
Your brain biology developed over hundreds of thousands of years to keep you alive in the forest. It is defenceless when shopping at COSTCO and online.
2. Your Beliefs and Culture
By mid-adolescence, you establish how you feel, think, and behave with money. And your culture is the single greatest influence of your spending.
3. The New Rules of Money
The rules of money are changing at warp speed. What worked a few years ago will not work today, or in the future. Technology is the game changer.
How To Make Better Money Choices
Your Journey to Better Money Choices Starts Here
The Only Guide You Need for Better Money Choices and Financial Security
the five Money Behaviors you must master to achieve your financial goals:
What's important about money to you?
How do you naturally feel and think about money?
What is your money learning style?
Does your strategy incorporate your Money Temperament, Knowledge, and Values?
Do you have a "One-Size-Fits-YOU" plan of action that supports your Money Values?
Why You Need Another Book About Money
IT'S ABOUT MONEY BEHAVIOR, NOT MONEY.
I wrote Discover Your Money Temperament, A Common-Sence Guide to Financial Security, for people who spend money but would never read a book about money, even though they should. I believe it's the book you should have read in school, but didn't.
Here you'll learn why it's difficult for so many people to manage money and five simple steps to make better money choices immediately.
The book is not like most books about money. It's about money behavior and not money. Why? Because how you manage your spending behavior is the key to your financial success.
I make you the lead character of the story. By the end of the book, you'll understand why you spend the way you do and how to use my common-sense "Money Behavior System" to make better money choices.
Read this before your next major purchase or listening to the ramblings of a "one-size-fits-all money expert." It will prove to be the best money advice you have ever had.
If you spend money, teach about money, or give money advice, read this book.
You need a "One-Size-Fits-YOU" approach to money because cookie cutter advice and solutions will ultimately fail. - Ted McLyman MS, MPA, BSPC
Are You Ready to Discover Your Money Temperament?
The process is quick and painless
Start with the book. Learn why it is difficult to manage money and how the Money Behavior System will help you make better financial decisions right away. Just putting the book on your desk and glancing at the cover while shopping online will save you a bundle (I explain why this works in the book).
Highlight key points in the book, take notes, and complete the Action Steps at the end of each chapter. Then, complete your Money Temperament Assessment and uncover your Money Temperament Identity SuperPowers. It will only take about fifteen minutes to complete the questionnaire and only costs about as much as a decent lunch. Is it worth it? Yes, much less than the cost of not knowing your unique Money Temperament SuperPower's Identity.
Your highlighted book, notes, and Money Temperament Identity Report are your "One-Size-Fits-YOU" roadmap to better spending behavior. Uses them every day for ten days, and always before a critical spending decision. Your results will amaze you - and your bank account will thrive. If you'd like a personal Money Temperament coach to really get your money behavior right, let me know.
Because Behavior Matters All The Time, Every Time
Thanks for Stopping By. Let Me Introduce Myself.
I'm Ted McLyman, MS, MPA, BSPC, Author
Co-Founder and Vice President at DreamSmart Behavioral Solutions
Today I'm co-founder and the Vice President at DreamSmart Behavioral Solutions and a retired Lieutenant Colonel from the US Marine Corps.
During my active duty, I held many vital positions, including battery and formal school commander, economics instructor at the U.S. Naval Academy, Head of Marine Corps Training Management, and Aide to the Assistant Secretary of the Navy for Financial Management.
After the Marine Corps, I became a licensed financial advisor and district manager for two national firms. After a few years, I struck out on my own, building two successful behavioral-based financial planning practices.
I have a BS from Colgate University, an MS from Boise State University, and an MPA from Pepperdine University.
I wrote three books on behavioral finance and financial wellness and I'm also a speaker, frequent podcast guest, and a Certified Behavioral SuperPowers Coach.
I want to shift the traditional thinking on money and financial planning from products and services to managing Money Temperament.
Sometimes "Short and Sweet" is All You Need
Your Money Temperament may destroy your bank account
When you think about money, three things conspire against you. They are: Your Biology, your Money Beliefs, and the New Rules of Money.
The solution is the five-step Money Behavior System. It is the front end that’s missing from traditional money programs. It answers five questions:
- Money Values. What’s important about money to you?
- Money Temperament. How do you naturally feel and think about money?
- Money Knowledge. What is your money learning style?
- Money Strategy. Does your strategy incorporate your Money Temperament, Knowledge, and Values?
- Money Plan. Do you have a “One-Size-Fits-YOU” plan of action that supports your Money Values?
That’s it—a common-sense approach to financial security. If you spend money, teach about money, or give money advice, you must discover your Money Temperament and help others do the same.